#
Account numbers in the memo
Every student gets a short number to type in the Zelle memo. "ep 1042", "EP1042" or just "1042" all match — and an optional check digit stops a typo from paying the wrong account.
Every Zelle and e-payment,
matched to the right person.
Upload your bank's payment history and your list of students, tenants, members, donors or clients. ePayRecon works out who each Zelle, ACH and Venmo payment is for — even when someone pays under another name — and you confirm it in a few keystrokes.
Free while it's new. Works with CSV, Excel and PDF statements from Chase, Bank of America, Wells Fargo, TD, Capital One, PNC and most other banks.
October payments38 of 41 matched
Zelle from JOHN A SMITH$450.00→ Maya Smith EP-1042 · High parent's name
ZELLE FROM PATEL ANJALI · "EP-1077 tuition"$450.00→ Arjun Patel EP-1077 · High account number in memo
Zelle from BILL JONES · "for Leo + Ava"$900.00→ split: Leo Jones $450 · Ava Jones $450 · Family
ACH CREDIT R. GARCIA-LOPEZ$225.00→ Sofia Garcia · Medium compound surname
From bank export to reconciled in four steps
For any organization that gets paid electronically — with the words, schedules and reports of your kind of organization.
Upload your list
Students, tenants, members or donors with the people who pay for them, from a spreadsheet or by pasting. Each gets an account number like EP-1042.
Upload payments
Your bank's activity export as CSV, XLS, XLSX or PDF. Overlapping statements are fine — duplicates are skipped.
Let it match
Account numbers in memos, parents' names, nicknames, reversed names and typos — then AI for the rest (on by default; one click turns it off). The AI only suggests matches; nothing is assigned until someone on your team approves it.
Review & export
Accept, reassign or split in a fast keyboard-friendly table. Then see who paid, who hasn't, and export to Excel.
Who it's for
One product, set up for your kind of organization: its words, its schedules, its reports.
S
School
K-12, private and charter schools: tuition and fees by grade, families and sibling discounts.
R
Rental
Landlords and property managers: rent by property and unit, leases, late fees, deposits and housing-authority payments.
C
Childcare
Daycare, preschool and after-school: weekly or monthly tuition by schedule, subsidy payers, and year-end statements for the dependent care credit.
S
Sports club or camp
Leagues, clubs and camps: seasons, programs and teams, registration plus instalments, uniforms and one-off fees.
L
Lessons or tutoring
Music, dance, martial arts and tutoring studios: monthly unlimited, lesson packages or per session, by program and instructor.
H
HOA or condo association
Homeowner and condo associations: units and owners, dues, special assessments by share or % interest, late fees and estoppel balances.
M
Membership club or gym
Clubs, gyms and associations: membership levels, annual or monthly dues, joining fees, renewals and lapsed members.
C
Church or nonprofit
Churches and nonprofits: donors and households, funds and campaigns, pledges and free-form gifts, year-end contribution statements.
S
Small business
Professional services and small businesses: clients and invoices with numbers, due dates and lines, partial payments, retainers and AR aging.
O
Other
Any organization that gets paid electronically: generic words you can rename, and every feature available as a switch.
Private by design
Payment histories and student lists are sensitive. ePayRecon is built so that they stay yours: encrypted, visible only to your organization, and deleted when you say so.
- We never sell, rent or share your data.
- No advertising, no tracking pixels, no data brokers.
- Your payment and student data is never used to train AI models.
- Only you and the people you invite can see your organization's data.
- Our staff do not look at your data.
- Delete your data any time; after a 7-day undo window it's gone from our systems.
AI matching is on by default and can be turned off at any time, in Settings or on the upload screen. When it's on, only payer names, memo text with account and card numbers removed, and your list of names are sent to our AI provider (Anthropic) — under terms that prohibit using it for training. The AI only suggests matches; nothing is assigned until someone on your team approves it. Switch it off and everything is matched on our own server. Details.
Why it matches more than a spreadsheet can
≈
Names the way banks write them
"SMITH JOHN A", "Bill Jones" for William, "Garcia-Lopez" for Garcia, initials and middle names. Parents, guardians and grandparents each count.
↺
It learns your exceptions
Tell it once that a grandmother pays for a grandson and every later payment from her matches by itself, labelled as your rule.
⇆
Siblings and families
Split one payment across several children, or give a family one number that splits automatically.
⌨
Review at keyboard speed
Accept every high-confidence match at once, then j/k through the rest. Undo anything.
✓
Who hasn't paid
Totals by student for any period, the list of who has no payment yet, and printable "How to pay" notices for families.
Reconcile this month's payments in minutes
Free while it's new. Your own organization, your own data, no card needed.
Start free